It really depends on what you use for iPhone 14 Pro for. I use my iPhones for the basic phone type functions including email, texts, social media (think Facebook/Instagram) and most importantly photography. Congratulations on your retirement. What hobbies will you be starting or delving into deeper in your retirement? I'll be 70 in few more months and photography plays a major role in my retirement. In August I took almost 10,000 photos with my iPhone 17 Pro max. Needless to say I've upgrade to the 18 Pro Max and I'm excited to receive the new model this Friday.
Reflect on what you use your iPhone for and determine what benefits and features the new model will unlock for you. Let us know what you anticipate your needs are and perhaps we ca better advise you on your path forward. Congratulations, again, and looking forward to your reply.